Will my Insurance End if I Get Divorced?

Couples deal with a lot of stuff in divorce. They deal with kids and alimony and child support and the house and the cars and the retirement accounts and on and on and on.

One thing that people sometimes overlook in Utah divorces is insurance. Specifically, whether their insurance will end and they won’t be covered when the divorce is finalized.

The sad reality is insurance will end. So, if you are on your spouse’s insurance and you divorce, you will no longer be insured.

Conversely, if your spouse is on your insurance and you divorce, your now ex-spouse’s insurance will end.

Even if you have a clause in your Divorce Decree stating insurance will continue, insurance will end. Insurance companies are not bound by what you put in the Decree, and they drop es-spouses like a hot rock the day divorces are finalized.

Kids and Insurance

This rule does not apply to children. Their insurance coverage will continue because you and your ex still have legal full legal obligations to them.

Workarounds

Just because insurance coverage is one of those bright-line rules in Utah divorce doesn’t mean there are some possible workarounds.

The most common workaround is alimony. If you have to provide your own insurance, that will be a monthly cost included in your alimony calculation. So, if you have to pay $300 per month for your personal insurance, you add that to your monthly expenses when calculating alimony.

Another possibility is negotiating something that obligates your ex to maintain a separate insurance policy for you. Really, this is alimony with another name, so we usually just do alimony. (And, besides, who wants their ex in charge of their health insurance?)

A last, worst possibility is Medicaid. Sometimes, this option is inevitable. When you divorce and there simply isn’t enough money to go around, Medicaid becomes a viable option.

Alimony is designed specifically to avoid situations like this, however. This means you should do everything possible to provide for health insurance in any alimony settlement.

Call Brown Family Law

If you find yourself facing a divorce, please call 801.685.9999 for a legal in-person consultation, or use our online scheduling tool.

Excellent

Brown Family Law

Based on 1032 reviews

See all reviews

Tyler Morrill

I worked with Nicholas Schwarz during my divorce and mediation, and I couldn’t be more satisfied with the outcome. My biggest concern was making sure my financial needs were still covered while paying alimony, and Nicholas was consistently clear, responsive, and genuinely protective of my interests. With his guidance, I reached a fair settlement that allowed me not just to get by, but to actually live my life. Divorce is always stressful, but he worked hard for me and took a lot of that stress off my shoulders. I would recommend him without hesitation and would hire him again.

Jennifer Stubbs

Mr. Clay Randle is an excellent lawyer. He responded quickly and was able to get my daughter's divorce competed in a short period of time. I highly recommend him and his law firm. Thank you

Carl Stubbs

Clay Randle helped our family more than he will ever know. My daughter was in a bad situation and through his help and Brown Family Law she was able to get her divorce done and finalized in what seemed to me an amazingly short time. Clay will look out for your best interests and defend your rights. He is amazing and I highly recommend him. His tenacity and attention to detail helped us through this difficult time.Thanks Clay!

Sean Miller

Daniel and Carren were amazing throughout my entire time with them. It was such a relief having Daniel as my attorney, he was thorough, explained everything so I understood it, he worked hard with me and spoke with me in a regular basis to keep me in the loop with everything happening in my case. He fought for me. It meant the world to my boys and I and we can continue our lives and move forward. Thank you Daniel. Carren was so amazing to send me follow up, keep me up to date on anything that changed with my case. Any time there were changes she was so on top of it! I’m so glad I could count on these guys, truly. Thank you guys from the bottom of my heart.

Response from the owner:Sean, so glad Daniel and Carren took good care of you. Thank you for your kind words.

Briana Booth

I can’t say enough good things about Brown Family Law. Attorney Clay Randle truly went above and beyond for me and my child. From the beginning, he was supportive, patient, and fought hard for the best possible outcome.
What stood out most about Clay Randle was his compassion. He treated me like a real person during one of the hardest times of my life, not just another case. Clay Randle was always prepared, quick to respond, and took the time to explain everything in a way I could understand.
Clay Randle’s professionalism is outstanding, but what really sets him apart is how much he genuinely cares. He made me feel protected, informed, and confident when I needed it most.
If you are looking for a family law attorney who will truly go the extra mile and stand by you, I highly recommend Clay Randle. I am incredibly grateful for everything he did for me.

Thank you for going the extra mile for me Clay Randle, I appreciate your help as my Pro Say attorney.
- Briana

Richard Erskin

They are great and knowledgeable ppl , they been with me taking care of my legal needs for over 5 years. They will stand by you 100 percent till the case is done .

Response from the owner:Thank you, Richard.

Audrey Wise

Paul Waldron was excellent. He listened to all our concerns and helped us navigate our options to find the best out come. He and his staff were easy to communicate with and kept us updated through out the process. Would highly recommend!

Kathleen Prestwich

The attorneys at Brown Family Law, and Jennifer Keeton in particular, are so caring, as well as competent. Jennifer was always easy to get ahold of and was good at listening and understanding what my goals were, and I always felt that she would do her utmost to ensure that I was taken care of and able to achieve the best outcome for me and my children.

Moose leg 13

Clay did an amazing job helping me out with my case. He went above and beyond what he needed to, and got me the best outcome I could get.

Rhett McQuiston

I rarely ever leave a review but my divorce attorney, Nathaniel Garrabrandt, his paralegal and the entire Brown Family Law were great to work with. I received regular communication from Nathaniel and his staff throughout the process. Nathaniel was highly recommended to me and now I know why. I’m very grateful for Nathaniel and the staff at Brown Family Law. It was one of the most difficult times of my life and working with them made it a little better.

Will my Insurance End if I Get Divorced?

Related Posts

How Should I Financially Plan For Divorce?

Can Your Bank Account Be Frozen During A Divorce?

How Do I Protect Myself Financially In A Divorce?